Free Market Fannie & Freddie

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Splits and Caps Daily: Action for Agents

August 11, 2025

📈 Market Move:

From Federal to Free Market

Fannie Mae and Freddie Mac — the twin giants of mortgage finance — might be about to leave the government nest. The Trump admin is reportedly fast-tracking their IPO, aiming to take them public before the end of 2025. The potential price tag? Around $500B combined, with a $30B stock sale. The twist: Trump says the government will still keep an “implicit guarantee” to back them in a crisis.

Why it matters: If Wall Street buys in but the market starts doubting that guarantee, mortgage rates could creep up and credit could tighten — especially in downturns. Translation: your 6.5% mortgage could turn into a “remember when” story.

Meanwhile in D.C.:

• The DOJ just fired Roger Alford — the guy who testified against NAR in the commissions case — weeks after bringing him on.

• Sen. Cynthia Lummis wants crypto to count as an asset in mortgage underwriting (because apparently, your Bitcoin stash should help buy you a bungalow).

• Trump tapped Stephen Miran to fill a Fed board seat after Adriana Kugler’s resignation.

Bottom line: Housing finance might be about to get the biggest shakeup since the 2008 crisis… and it’s happening right as Washington toys with crypto mortgages and changes at the Fed. Buckle up.

🌟Quote of the Day:

“What you tolerate, you endorse.” — Henry Cloud

📊🤔 Agent Poll Results

On 8/8, we asked: Mortgage rates just dipped. Be honest—what’s your move?

The results are in!

• A) Lock it in like it's a Taylor Swift presale: 0%

• B) Waiting for 5% like it’s 2021 again: 0%

• C) Reaching out to every fence-sitting buyer I’ve ever met: 75%

• D) Rates? I'm just trying to get my offer accepted 😅: 25%

Looks like it’s time to work the phones!

🎉 Fun Fact of the Day: 

Poison Paint: 🏠 In the 1800s, house paint wasn’t just decoration — some formulas included arsenic to kill mold. Sure, it worked… but so did poison.

📚 Book Recommendation:

“The Everyday Hero Manifesto” by Robin Sharma — Most people wait for a “perfect moment” to start living big. Spoiler: it never shows up. Robin Sharma’s The Everyday Hero Manifesto is basically a playbook for turning your Tuesday into a comeback story.

This isn’t about quitting your job to meditate in the Himalayas. It’s about small, repeatable wins — the kind that stack into a life you actually like. Sharma talks about rewiring your habits, protecting your focus like it’s gold, and building resilience so thick that bad days just bounce off you.

Read this if you want to stop watching other people live their dream life and start quietly becoming the main character in your own. The “hero” part? Turns out it’s less about capes… more about calendar discipline.

You're not behind — you’re just getting started.

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